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House buying + ground rent above £250
Hi, I am writing this post cause I am having some issues as a first time buyer trying to get my first property and I would like your advice. First of all, I am in the position where everything is ready for exchange except last minute, bank has said it needs to re-evaluate the flat again. This seems to happen because the…
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End of tenancy probs...mediation?
Hi Hoping some experts will be along soon... I’m at the end of a one year rental, we are a orofessional couple and one dog which the landlord agreed with. When we took the rental we had loads of probs with agent and ended up with us signing a tenancy agreement and the landlord signing a separate copy of the agreement(am…
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Ex pat mortgage
Hello I am based in the middle east, do NOT get paid into my british bank account however i have a British passport. Does anybody know if i have any chance at all of getting a Uk mortgage to buy property? Any advice is greatly appreciated. MC
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Gas meter faulty gas turned off
I am a tennent and have been renting a house for the past 6 months. When I woke up this morning I could smell gas so I called the number advised by the government for emergency. They came out and checked for leaks and said they need to cap gas supply to the house as the gas meter and valve does not meet current standards.…
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Window guarantees and insurance
We're nearing completion on purchase of a flat. The flat is part of a much larger development comprising detached / semis / terraces as well. The windows in the property are the original windows that were installed when the block was built, which was ten years ago. The NHBC certificate has only just expired. We've heard…
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Tenancy Deposit Not Protected
Hi, I was wondering whether anyone can offer me some advice regarding the protection of my deposit. I was part of an assured shorthold tenancy, beginning in April 2016 and concluding in November 2017. When moving into the property, I was replacing a tenant moving out, and was told by the letting agent that I would also…
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New house, burst pipe
My removals company installed my washing machine into our new home but didn't check that the old cold feed flexible hose left connected by last owner was in good condition. Result, the flex pipe burst soon after and we found almost impossible to isolate the valve. Called out an emergency plumber . cost over £300. Should I…
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Binded copy of lease
Recently completed on new build property, leasehold. I want a copy of my lease, a binded official version, as I was told to sign and return for my developers solicitors. Apparently, my solicitor tells me, I cannot get a copy like this (exactly the same document) until the property has been registered with the Land Registry…
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BTL mortgage with intention to rent to child
My wife had an offer on her house today. We were advised it was a cash buyer who was buying for their child. The EA then asked for proof of funds, and the story changed slightly, they would probably require a small BTL mortgage... Am I correct in thinking that it will be difficult / impossible to get a BTL mortgage if the…
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Buying house from parent
I wander if anyone can offer advice. I’m looking to buy a house off of my Mum. The house is valued at £350k, the current mortgage is £210k. My mum only wants me to cover the mortgage so I’m effectively buying the house for £210k. To save paying extortionate Stanp duty (it will be classed as a 2nd home) I wanted the…
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Tree Preservation Order
Hi, Does anyone know if it is possible to find out when exactly a tree preservation order was made on a tree? I have the Case number, TPO number and the Tree reference which i could find on my local council website. I have spoken with my local TPO officer at my council who have said it is a really old TPO from an old…
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Renouncing share of equity - Mortgage involved
Hello. I was wondering if anyone could offer advice on my situation. My parents have separated and are living apart. My Mum along with myself and another sibling still live in the family home. Unfortunately neither of my parents would be accepted for a new mortgage based on their circumstances, nor am I in a position to…
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6 months tenancy agreement- rights as a tenant
Hello We moved into a property 2nd January this year, with an estate agents in a 6 months contract costing £1000 a month. Since moving in we have noticed the kitchen is very damp and mouldy in the cupboards and smells terrible, a maintained man has been out and said that there's a long standing leak near washer and cause…
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Ahhhhh, another one bites the dust!
...we’ve had zero luck! Absolute tears today!! 5th offer that we’ve accepted, fall though before exchange since Oct!! Is it only us this desperate and unlucky? Mainly buyers buyer the reasons why we’ve been unlucky but today we’ve heard our most recent buyer can’t get the mortgage needed! Worst thing is we’ve offered and…
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Compensation ..New Build Problems
Hi. Moved into a new build last June, and had the usual snags but some were worse than others. We had a leaking shower cubicle and faulty tray, which was eventually replaced and fixed - after seriously bodging the first attempt with expanding foam... Another bigger issue is our floor in kitchen/utility/downstairs WC. I…
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Contract exchange and freehold
I am both purchasing the freehold on my house and selling it at the same time although funding it separate. I have a buyer for my house who wants to exchange quickly, can we sign and exchange contracts and hand over keys before completion of the freehold? Many thanks
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Letting Agency refusing to give details of landlor
Hi. I am in a 6 month tenancy that is ending in April. In the past, all my tenancy went periodic after the initial 6 month term. However, in the current one, my letting agency sent me a request to renew my tenancy after only 3 months in the property or if I didnt want to do renew, vacate the property in the end. I have had…
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Share of freehold & confused
I asked the EA about a lease on a share of freehold flat and was told The property is actually a shared freehold so there is no lease or service charges as the freehold is shared between the two properties as its a converted house. I made another enquiries from another estate agent about another share of freehold flat and…
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Where to live between Coventry and Marlow?
Hi, I have a new job based near Coventry/Leamington which means we'll have to move from our current home in Suffolk. Husband currently does a 2h each way train commute into Central London for work (which unsurprisingly he hates!), but is likely to shift into his company's Marlow office. Bearing in mind both of us will be…
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Stamp duty, old home used for let-to-buy
Hello I am looking at my options for moving house to be in the catchment area of a secondary school. I own my home, mortgage free, and another buy-to-let property with a large mortgage on it. I am considering selling the buy-to -et property and taking out a new buy to let mortgage on my present home to pay for the new…
